| Hospital charges & medical fees |
Therapy fees |
In patient cancer treat ment |
In patient psych iatric treat ment |
Consult ation before hospital stay |
Consult ation after hospital stay |
Out patient physio therapy |
Out patient cancer treat ment |
Out patient psych iatric treat ment |
Minor surgery by a GP |
Parent accomm odation |
Private ambul ance |
Home nursing |
NHS cash benefit |
Maternity benefit |
World wide emerg ency cover |
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| In-patient and day-patient treatment |
| Nationwide network of hospitals | | - Nationwide network of hospitals
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| Hospital charges | Full refund | - Day-patient hospital accommodation charges
- In-patient hospital accommodation charges
- Operating theatre charges including surgical dressings and drugs
- All hospital fees if the hospital is listed by your policy (Refunds in accordance with reasonable and customary fees for treatment)
- Prostheses and appliances (artificial body parts - eg. hip replacement) when implanted as an integral part of a surgical procedure
- Intensive care, nursing care, drugs and surgical dressings
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| Medical or surgery fees | Full refund | - Surgeons and anaesthetists fees
- Surgical procedures performed on an in-patient or day care basis
- Nursing care
- After a specialist advises a hospital stay for treatment, individuals have the choice to go private or receive treatment under the NHS and get money back (see NHS Cash payments)
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| Therapy fees e.g physiotherapy | Full refund | - In-patient pathology, physiotherapy and diagnostic procedures. Applies equally to day-patient treatment
- Diagnostic procedures which include pathology, radiology, CT and MRI scans
- In-patient and day-patient physiotherapy, radiotherapy and chemotherapy
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| In patient cancer treatment e.g. radiotherapy and chemotherapy | Full refund | - In-patient and day-patient radiotherapy and chemotherapy charges in full
- Consultant oncologists fees in full including treatment when received in a listed or approved hospital
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| Additional benefits |
| Minor surgery by a GP | Full refund | - Up to a maximum of £70 for each procedure will be paid for minor surgery performed by your GP
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| Hospice | Annual limit: £700 | - A daily contribution of £70 will be made to the hospice for care and for a maximum of 10 days
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| Parent accommodation if child needs an overnight stay | Full refund | - The hospital's charges where it is medically necessary for a parent to accompany a child under 14 in hospital
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| Post discharge home nursing | Annual limit: 2 days |
- If it immediately follows in-patient treatment covered by the policy
- If it is prescribed by a specialist for medical reasons (not domestic reasons)
- If it is under the direction of a specialist
- If it is performed by a qualified nurse
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| Post discharge home nursing including home stay | Annual limit: 2 days |
- If it immediately follows in-patient treatment covered by the policy
- If it is prescribed by a specialist for medical reasons (not domestic reasons)
- If it is under the direction of a specialist
- If it is performed by a qualified nurse
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| Cash benefit if treated by the NHS | Annual limit: £10,000 | - Cash benefit when you are treated in a public ward under the NHS (and not as a private patient)
- Policy gives you the choice between going private or receiving substantial money back payment for eligible treatment under the NHS
- Children under 18 years of age will receive money back payments for NHS treatment at half the adult daily entitlement
- Treatment elected under the NHS instead of Private will receive £250 for every night spent in hospital. Remuneration for day patients £250 for each treatment
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| Maternity benefit | Per child: £100 | - Cash benefit for each birth when delivery and hospitalisation is provided under the NHS free of charge
- To qualify for complications of pregnancy and NHS child birth benefit membership must be over 10 months
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| Free medical help line | Full refund | - A 24 hour advice and help line manned 365 days a year. Calls answered by qualified Doctors. Unlimited access
- Helpline offers guaranteed access to a GP who will answer questions and offer medical advice over the phone
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| Children | | - Children are covered providing they remain un-married
- Newborn children included on policy free until next renewal date provided parent has been a member for at least 10 mths. Notification of newborn required within 3 months to qualify
- Further premiums savings if eldest under 18 years of age
- Children may remain on policy until they are 24 (if they are in full time education) and will remain covered until the next annual policy review date
- Single premium of eldest child under the age of 20 covers all younger children named on the policy
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| Overall Policy Limit | | - No overall limit to claims except where particular benefits have maximum levels applied
- Annual travel insurance and overseas cover are available as an option to the policy
- Pre-authorisation for treatment by phone (ClaimCall). A detailed confirmation letter will be sent within 24 hours for your use in consultations with specialists
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